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Health insurance in America for citizens, expatriates, and residents

Health insurance for expatriates in the US

Living abroad, and especially in the United States, is a completely different level of adventure. As a foreigner or immigrant living in the United States, you left your home country to live in a new world. Moving to a new country brings challenges. One of these challenges is obtaining adequate American health insurance to cover you in the United States, as well as in your home country and in other countries around the world.

Health insurance plans for foreigners in the USA

We recommend two options for expats moving to the United States. Cigna Global is an excellent global insurance company with great service and benefits. Cigna Global offers a flexible plan design that allows you to choose different units to tailor the plan to your needs and budget. Another proposed plan is GeoBlue Xplorer, which offers similar benefits and services to Cigna. GeoBlue Xplorer is offered in conjunction with Blue Cross and Blue Shield of America and comes with BCBS's excellent network of doctors and hospitals associated with BCBS.

Medical coverage for expatriates in the USA

If you are moving to the United States, it is important to know that the United States does not require all expatriates (or even American citizens) to obtain health coverage. However, the risk of being in the United States without health coverage is high hospital bills or lack of access to health care. There are newer requirements for some immigrants or foreigners with certain types of visas that may require you to obtain health coverage.

Medical costs in the United States tend to be higher than in other countries for several reasons. American doctors tend to require more tests and scans than other countries, and the United States is grappling with a relatively high rate of medical inflation.

Health Insurance in the USA: Overview

The quality of health care available in the United States is generally of a high standard. In the United States, American medical care is provided through private hospitals and clinics. This requires citizens to obtain private health insurance in the United States. Often times, the business owner provides insurance that covers the employee and their immediate family. The Federal Medicare Program is available to retirees. There is also Medicaid, which is a federal medical assistance program for the poor. Most foreign nationals living in the United States are not eligible for these plans. As a result, most immigrants or foreigners purchase international health insurance themselves.

Immigrants to the United States of America: To obtain an immigrant visa, foreigners must show that they will include "approved health insurance," such as a family or employment policy, within 30 days of entering the United States, at Unless they are wealthy enough to cover "whatever medical costs they may be." Wait reasonably. "

How much does health insurance cost in the USA?

How much does health insurance cost in the United States? Premiums, or the cost of health insurance coverage in the US, depend on a few factors such as country of origin, age, medical history, etc. Getting more comprehensive Medicare insurance in the United States is recommended because it can cost a lot, but the costs of not getting it can be much higher. For example, tests and checkups are often expensive and not covered by cheap health insurance plans.

The cost of health insurance in the USA for international applicants

Here are some examples of the costs for foreign nationals applying for coverage in the US applying for the Cigna Global Gold Program. Costs can be adjusted up or down by adding or subtracting interest, discounts, or cost-sharing amounts.

30-year-old male: Cost $ 563 per month
50-year-old female: cost 901 per month
Husband and wife age 40: $ 1,371 / month

Cigna offers a more comprehensive platinum plan and an affordable silver plan. Ask your agent for guidance on the coverage and plan that best suits your needs. Calculated costs include global coverage, $ 750 for basic discount and $ 1,000 for outpatient deduction, excluding evacuation, dental and optical units. The price varies depending on the plan chosen and other factors.

American Foreigner Insurance and the ACA Punishment

Providing shared responsibility is part of the Affordable Care Act, also known as the ACA or Obamacare. The goal is to ensure that all US citizens and permanent residents have access to high-quality US health insurance. Nonresident aliens, including foreign students on F, J, M, and Q visas (and some members of the student family) are not subject to a one-time authorization for the first five years of their life in the United States. All other J categories (teacher, fellow, work and travel, university, high school, etc.) are not subject to individual authorization for two years (out of the last six).

Details: Foreign nationals who live in the United States for a period of time short enough that they do not become foreign residents for federal income tax purposes are exempt from paying joint liability even if they have to file a US income tax. The IRS has more information on when a foreign national becomes a foreign resident for federal income tax purposes. The individuals exempt under this rule are:

  • Nonresident foreigners
  • Foreigners with dual status in the first year of their stay in the United States;
  • Nonresident aliens or dual status aliens who choose to file a joint return with their US spouse;
  • Individuals filing Form 1040NR or 1040NR-EZ (including dual status tax return for the last year of their stay in the United States) AND the
  • Individuals claiming a personal exemption on Form 1040NR or Form 1040NR-EZ.

Like all permanent residents and all foreign nationals who have been in the United States for a sufficient period during the calendar year to qualify as foreign residents for tax purposes, all United States citizens living in the United States are subject to the individual joint liability clause. This category includes nonresident aliens who meet certain attendance requirements and choose to be treated as resident aliens.

Travel medical insurance for visitors to the US

If you are an expat living in the United States, you must purchase additional health coverage during the period that you will be in the country. You will need to ensure that this coverage protects you in the event of an accident or medical emergency, as well as repatriation. You should check if you will need this travel insurance before entering the country and if the insurance must come from your country, the United States, or both!

For periods of less than a year in the United States, a travel health insurance plan may be enough to cover your needs. For younger travelers who want basic emergency medical insurance (rather than universal medical coverage), a medical travel plan will work well. Most travel health insurance plans provide coverage in the event of accident or illness, saving you substantial medical expenses if you need to visit a doctor or hospital while in the United States, as well as giving you access to pharmaceutical care. comprehensive and translation services, if required.

The cost of short-term health insurance plans in the US

The cost of these plans varies greatly. Short-term medical travel plans start at around $ 1.50 per day and can go up to $ 10 + per day for older clients or higher coverage. As we mentioned earlier, global medical plans offer options from affordable catastrophic coverage (which covers only the worst case scenario) to high-value comprehensive medical plans. Our most affordable plans cost between $ 400 and $ 500 per year, and we have plans that can cost between $ 30,000 and $ 40,000 per year.

How much health insurance coverage do I need in the US?

They are often asked, "What are the typical costs of medical expenses in American healthcare facilities or hospitals?" People ask this because they want to know how much insurance coverage to buy (the maximum coverage or the amount of interest per policy period) when traveling to the United States, as a visitor or expatriate. Unfortunately, this is not an easy question to answer. Health care costs in the United States vary by disease, procedure, and facility. The costs of treating different diseases vary widely. Treating a fever is less expensive than removing a kidney stone. Some facilities will charge significantly more for a procedure than the street hospital.

How to determine how much international health coverage you need

There are many factors to consider, including how long you will be staying (extended stay may require more coverage) and how comfortable you are with paying for a larger amount of coverage if necessary.

You can also consider how easy it will be to return to your home country if you need additional services. If you don't need to stay in the United States for long-term care and have free insurance in your home country, you can get a lower maximum amount of coverage. However, if your job or personal situation requires you to remain in the United States for treatment, you will need to consider higher maximum coverage amounts.

Acute or emergency care costs in the US

People also ask how much it costs to visit the emergency room. According to a study by the National Institute of Health, "The average cost of visiting an emergency room for more than 8,000 patients in the United States was $ 2,168. But the spring scale (IQR), which represents the difference between the 25 percentages and 75 of the fees, it was $ 1,957, which means a lot of patients paid a lot more or less than that. "

The graph on the right shows some of the differences you see in different hospitals and clinics for different diseases (minimum and maximum rates) depending on the disease. One of the advantages of working with an international health insurance provider is that they often direct you to the best healthcare facility with the lowest rates. In many cases, you can receive treatment from your doctor in their office or clinic, and it can be 3 to 4 times less expensive than receiving the same treatment (from the same doctor) in the hospital!

How Much Health Coverage Should Foreigners Buy In The US?

Buying health insurance is a personal decision. First, consider the issues outlined above (risks, length of stay, ability to return home, etc.) and think about how much you can afford. Policy thresholds generally start at no more than $ 50,000 per policy period (generally the maximum per person) and can go up to $ 5 million; Some are indeterminate or unlimited. Some guidelines:

  • From 5 days to 1 month, we recommend Medicare coverage of $ 50,000 to $ 100,000
  • 1 to 3 months, we suggest $ 100,000-500,000
  • For three months or more, $ 250,000 or more.
  • For a year or more, we suggest coverage of at least $ 1 million a year, more if you have a family or want treatment in the United States if you become seriously ill or will be staying in the United States for several years.

Of course, if you are older or have more people in your family who travel, the risks are higher, so you might consider higher limits.

Also, make sure you choose the correct type of plan. We provide short-term travel medical services (generally for trips of less than one or two years) and long-term comprehensive medical plans (for those who move abroad for several years).

The most popular health insurance plans for foreigners in the US

  • Cigna Global Insurance Plan
  • Xplorer Worldwide Medical Plan
  • IMG Global Medical Plan


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